Avacarapnam

Useful Information

How does avacarapnam.com work?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is avacarapnam.com free?

Our service is completely free. We earn a small commission from lenders in the event they credit a loan to your account.

How much money will I get?

Anywhere from Rs. 2 000 to Rs. 120 000.

What kind of requirements is there to apply for a loan online?

If you want to apply, you must: 1. Be a legal citizen of Sri Lanka. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

What if I have a bad credit score?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any time. The sooner you pay it off, the less you will pay in interest. The interest accrues only for those days that you actually used the loan. You can make payments ahead of time and pay only for the days you actually used the borrowed funds.

What can I do if I canot repay my loan?

If you’re having trouble repaying your loan on time or your financial situation has changed, we recommend you contacting your lender directly.

How should I repay what I owe?

Only your lender can give you any specific information regarding your loans, including the dates and times for repayment. Repayment periods may vary. Please contact your lender to ask about your loan terms.

Frequently asked questionsPrivacy policyContactsCommission and Fees
CookiesAbout usHow it worksTerms and Conditions

Material Disclosure

We represent Fininity Ltd, which acts a credit broker. We are not a lender. avacarapnam.com does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As avacarapnam.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Process

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Default

avacarapnam.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Extension Policy

avacarapnam.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.

Address: Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia.

© 2024 avacarapnam.com